PSX:ICIBL Income Statement

Financials in millions PKR. Fiscal year is July - June.

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	131.81	137.46	125.63	123.56	117.73	67.08
Total Interest Expense	0	-	-	12.03	4.93	9.84
Net Interest Income	131.81	137.46	125.63	111.53	112.8	57.24
Gain on Sale of Investments (Rev)	29.25	34.79	18.62	-3.42	-5.06	2.71
Other Revenue	0.09	1.59	6.16	3.01	-2.45	-4.2
Revenue Before Loan Losses	161.15	173.85	150.42	111.12	105.29	55.76
Provision for Loan Losses	-8.08	-10.05	-29.51	-19.65	-32.73	-39.79
Revenue	169.23	183.9	179.93	130.77	138.02	95.55
Revenue Growth (YoY)	-10.12%	2.21%	37.59%	-5.25%	44.45%	364.83%
Cost of Services Provided	36.2	36.61	37.29	34.95	27.28	23.88
Other Operating Expenses	0.01	0.01	0	0.01	0.01	0.01
Total Operating Expenses	40.45	40.86	37.3	39.18	27.33	27.1
Operating Income	128.78	143.04	142.63	91.59	110.69	68.45
Other Non-Operating Income (Expenses)	5.55	5.72	5.16	6.55	5.12	3.97
EBT Excluding Unusual Items	134.33	148.76	147.79	98.14	115.81	72.42
Gain (Loss) on Sale of Investments	-	-	0.69	-	-	-
Other Unusual Items	-	-	-	-	5.73	18.66
Pretax Income	136.29	150.73	148.48	99.23	121.54	91.08
Income Tax Expense	22.99	23.99	23.86	9.47	26.27	7.22
Net Income	113.31	126.74	124.62	89.76	95.27	83.86
Net Income to Common	113.31	126.74	124.62	89.76	95.27	83.86
Net Income Growth	-15.03%	1.70%	38.84%	-5.79%	13.61%	81.81%
Shares Outstanding (Basic)	285	285	285	285	285	285
Shares Outstanding (Diluted)	285	285	285	285	285	285
EPS (Basic)	0.40	0.44	0.44	0.32	0.33	0.29
EPS (Diluted)	0.40	0.44	0.44	0.32	0.33	0.29
EPS Growth	-15.03%	1.70%	38.84%	-5.79%	13.61%	81.81%
Free Cash Flow	75.6	81.14	104.97	60.05	98.23	158.55
Free Cash Flow Per Share	0.27	0.28	0.37	0.21	0.34	0.56
Operating Margin	76.10%	77.78%	79.27%	70.04%	80.20%	71.64%
Profit Margin	66.95%	68.92%	69.26%	68.64%	69.03%	87.76%
Free Cash Flow Margin	44.67%	44.12%	58.34%	45.92%	71.17%	165.93%
Effective Tax Rate	16.87%	15.91%	16.07%	9.55%	21.61%	7.93%
Revenue as Reported	161.15	173.85	150.42	123.15	110.22	65.6

Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.